# FIRST BANK OF LINCOLN
LINCOLN, MT · FDIC certificate 19775 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $24.1M | |
| Deposits | $17.5M | |
| Loans and leases | $19.2M | |
| Total equity | $2.5M | |
| Loans / deposits | 108.70% (p97 of band) | 72.92% |
| Liquid assets / assets | 10.67% (p5 of band) | |
| Uninsured deposits / deposits | 8.44% (p25 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 16.63% (p93 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.53% (p12 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p14 of band) | 1.19% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | -1.22% (p2 of band) | 0.83% |
| Net interest margin | 5.02% (p96 of band) | 3.64% |
| Efficiency ratio | 126.22% (p98 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.70% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 38% | |
| Construction % of loans | 3.70% (p25 of band) | |
| Auto loans | $579,000 (3.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.6% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | losing money | reserve under noncurrent |
| 2013-09 | 0 |  | losing money |
| 2013-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2014-03 | 0 |  | NIM <2.5%, reserve under noncurrent |
| 2014-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-12 | 2 | deposits shrinking, assets shrinking |  |
| 2015-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | liquid assets <10% | charge-offs p90 |
| 2015-12 | 2 | loans exceed deposits |  |
| 2016-03 | 5 | wholesale funding >15%, capital falling, losing money, expense ratio p90 | liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-10-27 [Susan Hemmer, age 73, of Lincoln - helenafuneralhome.com](https://news.google.com/rss/articles/CBMifEFVX3lxTFBhbVp4dkxJVm5DNGVjWHB5bEtGX2R1UkQxQk5ncjZ2ZWxsUGJOczY1NGYwWVZsbzBNV3FhWXR1VTRRQi1Gakc5U0lGdXNTUklUOHZfd2VYUFFUTTFHSTNiQmNMZkVqWnhzUVR3WFl6RndQbnpGNzRYWkVabWg?oc=5) · helenafuneralhome.com
- 2020-06-29 [Business Bites: Todd’s Music; Citizens Alliance Bank; Fit Republic - theelectricgf.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUkhxbmE1c3RBYS1hMUVfYWlwUTVZYnZNM3hrR2pfYmZwTUlEcVJjc2lGTjFJYzAyM3RBRWUyeGFPV2tQZlFUVWZKWi05WVVkbGxDcFZwa3hTMi1IaWdKR2c5LVpnXzRKY0d6cjVnc1d5dW9MX08wRWJIeFBib2F4VWVSR2Y2Y3Z4MEctRTU0ay1zWGtLLXdjcWg3QWxYcUpMU2fSAacBQVVfeXFMTmVsZzVtQWIzMFRFWEE1VEZ1TGZ0WUt0dE82RktBeUZZQXl0aU1hYW12U0xUM0tqU1VuVkRmdDFmZGRLYV90TmtJc0pkVFZ5eUpvSnJTNkMybUJXYkZBMmxScGMwVEZOemplUi1odGo5dkJXcXh1UW5HQU5iVkkwOGNqV1luVmtRTnJBellSNGFQVmtiX0lzUkRhRlZSTDI0YWZNVTcxTm8?oc=5) · theelectricgf.com
- 2014-09-20 [Artists creating sculpture garden near Lincoln - Great Falls Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQejRnZkpkV0o5LWdfd09JZzVaX3FmcDVpVzB0a2wtT25ZeUNRenVYRWRMOTRFMUtJNDJvZVJLcWFsLVRjWm0tcDJVbkpMSFU5SjM3Wm42OWRQckJ0OHE4T29xc1VDTXhDVXRHd2g0eTJKTUhxakxWaUdIRFQ2UDNHMW1pbFc4MUVGZ1BGaFQ1RThGUm5jTXlTekI4dzhWWWFSZzl1NHlGd2xqZTkwVXVoR1NMOTZjREg5SzB0WU9ob1E?oc=5) · Great Falls Tribune
- 2021-10-16 [Charles Olson Obituary (2012) - Great Falls, MT - Great Falls Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxObWZPR3dadThjYmlPUE1seU1zNDd1NkZIWFBFQkllc2FrSy1PZE9sMElPdUtsd3oyVE5MQkZQaWVOcjlpMHI0ajRGU2gxY2hEemlERV9oN1JqYU5jQXBtX2pHckM5WVVHWjZNNzMwYjlacnZBaURXdG55WDY4VXppQ0FoVGdtem1TOG8xdEVkcHp6a3c4VEdnaTFB?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19775 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "19775", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide